Even the best doctors can face a malpractice allegation.

This coverage helps protect you and your personal assets, your practice and your patients. It compensates for damages, loss or injury suffered by the patient, as well as legal defense costs. Since 1946, D.C.s have recognized NCMIC as the malpractice leader. Today more D.C.s rely on NCMIC’s Malpractice Insurance Plan than all other chiropractic malpractice insurance companies combined.

Business and Personal Insurance to Protect You and Your Practice

NCMIC wants to make sure you have the insurance you need for your business and personal life. Whether you need business owners', workers’ compensation, EPLI, data breach/cyber liability, auto, homeowners or long term disability insurance, NCMIC can help you find the right coverage at the right price.

Grow your practice and save money with help from NCMIC Finance Corporation

Are you adding or upgrading practice equipment? Would you like to save money on credit card processing? Do you need working capital cash or a no annual fee business card that pays you back? NCMIC Finance Corporation can help you achieve your financial goals.

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NCMIC EVENTS

At NCMIC, we believe that supporting the chiropractic profession is an important part of our heritage. No other insurance provider has provided more support for the profession than NCMIC.

In the past 5 years, NCMIC has attended more than 1,000 chiropractic events including college homecomings, seminars and state/national association conventions. We also offer business training and malpractice risk management seminars and resources to D.C.s as a complement to the education provided by the chiropractic colleges.

When there's an allegation of malpractice, I think every doctor would agree they want one thing when it comes to legal representation.

They want the best.

Your reputation is on the line. This is definitely one area where the bargain-basement attorney may not be the best value.

In the event a claim is filed against you, your malpractice insurance company is responsible for providing you with a defense and paying the cost of your defense. But this is an area where there is a huge difference.

You want to make sure the attorney representing you has the right expertise.

Has the attorney ever defended a chiropractor before?

Are they well familiar with the chiropractic profession?

Does the insurance company provide defense counsel with chiropractic-specific training and resources?

Beyond your attorney, another person you want on your side through this process is your claims representative. This is the insurance company employee who works with both you and the attorney throughout the claim.

Same issues apply:

Are they familiar with chiropractors?

Have they worked on chiropractic claims before or are they part of a medical malpractice company that only works on chiropractic claims infrequently?

What kind of chiropractic-specific training and resources have they received?

All these issues will have a big impact on you throughout the entire process of the claim. So again, when shopping for a malpractice insurance policy, ask questions. Ask about the company's experience with chiropractors. Ask about the number of chiropractors they represent.

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About the Author

Mike Whitmer

Mike Whitmer, assistant vice president of NCMIC's Chiropractic Insurance Programs, has more than 25 years' experience in the business world to share with D.C.s who are starting their chiropractic careers. By day, Mike leads the corporate relations team at NCMIC Group, Inc., teaching at chiropractic colleges about business practices and risk management, and attending trade shows and homecoming events. Mike is also the cofounder of a property management company and a restoration firm that have provided his "real world" experience on writing business plans and dealing with small business finance and operations.

The information in the NCMIC Learning Center is offered solely for general information and educational purposes. It is not offered as, nor does it represent, legal or professional advice. Neither does this information constitute a guideline, practice parameter or standard of care. You should not act or rely upon this information without seeking the advice of an attorney familiar with the specific legal requirements of the state(s) in which you practice. If there is a discrepancy between the site and an insurance policy you have with NCMIC, the policy will prevail.